Run your money where your customers already are.

Bizruach is a free, lightweight money tool for small businesses that live on WhatsApp. Make professional invoices and quotes, share your whole price list with one link, send them to clients in seconds, track the cash moving in and out, and keep a book of who owes you — with AI that writes the awkward “please pay” messages for you.

Use most of it with no account. You only sign in when you want to save your records.

Build a clean, professional invoice that updates live as you type.

• Your business name, address and logo; the client’s details; line items, tax/VAT, discount and notes.
• Works in 13 currencies.
• Type your items, or let AI turn a plain description (“3 agbadas at 25k, alterations 8k”) into proper line items.
• Save customers and products so you never retype them.
• Download or print a clean PDF.

Send the invoice the way your clients actually communicate — one tap to WhatsApp.

• Opens a chat with a ready-written message and a link to the invoice.
• The client opens it with no login, views and downloads it — and it updates if you mark it paid.
• Record full or partial payments and always see what’s still outstanding.
• Ask AI to “Chase payment” — it writes friendly, professional and firm reminders to send in a tap.

Ring up walk-in sales fast and keep stock and cash in sync.

• Tap items from your price list to build a sale; one currency per sale keeps the maths clean.
• Take cash, transfer or card, and stock counts down automatically as you sell.
• Talk or type “2 bread and a milk” and AI rings it up for you — and suggests a quick upsell.
• Took part payment? Save the balance and the customer straight to your debtors’ book.
• Ask your shop questions and get an end-of-day brief, all powered by AI.

A one-glance view of your business every time you open the app.

• Cash balance, total owed to you, and money in / out today.
• A “Chase today” list of everyone overdue, each with a one-tap WhatsApp reminder.
• Quick buttons to record money, start an invoice, or open the debtors’ book.

Record every naira in and out — including cash sales that never get an invoice.

• Log money in or out with what it was for and the date.
• See your running balance and today’s totals.
• Entries grouped by day so your records stay easy to read.

Keep track of who bought on credit and chase the money faster.

• Add a person with their balance and an optional due date.
• Open anyone to see their full “took on credit / paid you” history.
• Overdue customers are flagged so you know exactly who to chase.
• AI writes the reminder for the exact amount owed — send it on WhatsApp in one tap.

Keep your regulars in one place and reuse them everywhere.

• Save customers with their name and phone number.
• Pick a saved customer on invoices and credit sales instead of retyping.
• See at a glance who still owes you, with a link straight to the debtors’ book.

Win the job before you invoice it.

• Describe a job in plain words and AI drafts a professional quotation.
• Convert an accepted quote into an invoice with one click.

Share everything you sell as one link — perfect for your WhatsApp status, bio or a customer chat.

• Add each item with a name, price, an optional note and a photo.
• Set your currency and a WhatsApp number for orders.
• Share one clean, always-current link — no more screenshots of prices.
• Customers browse and tap “Order on WhatsApp” to message you straight away.
• Show or hide items any time without deleting them.

Quick answers to everyday money questions.

• Profit margin, markup → price, break-even, VAT/sales tax, loan repayment and true employee cost.
• On the margin calculator, AI can explain your numbers and how to improve them.

Turn customers’ phones into your storefront.

• Make a WhatsApp “click-to-chat” link (and QR) for bios, flyers and shopfronts.
• Generate a QR code for any link or text and download it.
• AI writes WhatsApp status and promo captions for you.

Set up your shop once and it flows everywhere — invoices, price list and sales.

• Your business name, address and logo, shown on invoices and your price list.
• Your default currency and the WhatsApp number customers use to order.
• Connect a bank account to accept card payments on invoices.

Use it freely; sign in only when you want to keep your records.

• Calculators, QR tools, building an invoice and writing a quote work with no account.
• To save records or use AI, sign in with a one-time code sent to your email.
• Your data is private to you and synced to the cloud — safe if you change phone or clear your browser.